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BlueHarbor is a limited liability corporation offering financial services through a national network of lenders. BlueHarbor will process borrowers’ loan applications to match them with individual lenders who can offer the best auto financing rates and terms. The company was incorporated in 2010 and is based in Aliso Viejo, California.

BlueHarbor’s exclusive national lending exchange allows borrowers to refinance an existing auto loan, purchase a new or used vehicle from a dealer, buy out an existing lease or finance a vehicle purchase from a private party. Customers save an average of $101 dollars over their existing auto loan payment when they refinance successfully with BlueHarbor. They may also reduce their annual APR rate by refinancing through one of BlueHarbor’s lenders.

How Do I Apply For a BlueHarbor Auto Loan?


Borrowers may begin their application process online or speak with a personal loan consultant by calling 1-866-677-8630.

When applying for refinancing and a lease buyout, applicants should know the make, model and year of their vehicle as well as all current auto loan terms. When applying for a new or used vehicle and private party purchase financing, potential borrowers do not need to know the make, model and year of the vehicle. They may complete the application process with estimates from their desired payoff balance or an estimated borrowing amount of the vehicle they wish to finance.

BlueHarbor recommends all potential borrowers to be able to document a monthly income of at least $2,000. Approximately 20% of successful BlueHarbor auto loan applicants have excellent credit with a FICO score of 680 or above.

What Happens After I Apply?

BlueHarbor matches your auto loan request with one or more of their lenders based on the information you provide and your credit profile. Then a BlueHarbor personal loan consultant will reach out to your to discuss your loan options and help you choose one that meets your needs. BlueHarbor continues to work with you and the individual lender throughout the entire loan closing process. Successful applicants may provide an electronic signature to close on their loan and authorize receipt of their funds.

What Kinds of Rates Can I Expect with a BlueHarbor Auto Loan?

Generally, a monthly payment is $17.92 for 60 months for every $1000 you finance at an example down payment of 0%. Your rate could be higher based on your credit history, approved loan amount, term, state of residence and other conditions. Married couples may apply separately for different auto loan accounts.

The lowest auto loan rate of 2.84% APR is available with no down payment required for the most creditworthy applicants who meet the following criteria:

-have never filed for bankruptcy,

-have not defaulted on a loan in the past 3 years,

-are not current late on any credit card or loan,

-have not been more than 60 days late on any credit card or loan in the past two years,

-have 36 or more months of credit history,

-and can document an income of at least $2000 per month.

Why Should I Consider a BlueHarbor Auto Loan?

BlueHarbor is a trustworthy national network accredited by the Better Business Bureau. BlueHarbor uses the secure SafeLock system to allow customers to receive a quote without giving out their Social Security number online.

They work with borrowers and lenders in all 50 states to find the best loan for your budget and needs. You have flexibility to choose from a variety of lenders with just one application. BlueHarbor’s community of lenders is committed to providing excellent customer service to borrowers of all credit levels for a variety of auto loan needs.